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Cards for Small Businesses

Find out what cards can offer optimal features and rewards programs to best fit your small business needs.

What are small business credit and charge cards

and how do they benefit companies?

Small business credit cards have features, rewards, and perks that are designed to benefit smaller companies and entrepreneurs. These cards come with set spending limits and great rewards programs, and can streamline the expense management of your business, while optimizing your cash flow. Small business credit cards can benefit companies that don’t qualify for a business loan, as having a card can unlock financing options and earn rewards that can benefit your business as you spend. 

Using an American Express business card for your small business can make managing your expenses simpler, with benefits including reward points and purchase protection. 

Expense

management

 

Easily manage day-to-day company spending on one

card.

Maximize cash

flow

 

Analyze, monitor, and optimize your cash flow

management.

Earn and redeem rewards

Get an exceptional lineup of reward options for you and your business.

Gain spending

visibility

 

Securely keep track of

employee expenses.

How to choose the right card for your small business?

To find the right small business card, compare different features to see which card will best fit your company, provide solutions to challenges you face, and offer the benefits that your team values. Here are some factors you can consider when looking for the right card for your small business:

 

  • Welcome bonus: A sign-up bonus with spending requirements that match your budget will allow you to optimize the rewards from your spending. If you tend to incur higher expenses, consider choosing a business card with a generous welcome bonus.

  • Reward categories: Choose a card with reward categories that align with your spending. If you spend a lot on office supplies, find a card that offers extra points on business essentials.

  • Redemption options: Small business cards offer many different ways to redeem your points, such as discounted or free travel, statement credits, and gift cards. Choose a rewards program that appeals to your team.

  • Additional benefits: Consider the additional benefits offered by small business credit cards, like purchase protection or travel insurance, to select the perks that are best suited for your company.

  • Annual fee: When comparing cards, make sure that the rewards and benefits you would receive are worth the annual fee. 

American Express offers a range of cards tailored to small businesses. Whether your team travels frequently or you want access to new expense management tools, you can find the card that addresses your needs. Compare our small business cards to find the best one for your company.

Amex Small Business Card

Features & Benefits

Ideal for Business Owners who…

The Business Platinum Card® from American Express

Type: Charge Card

  • 50,000 Welcome Bonus points when you charge $7,000 in purchases to your Card in the first 3 months of Cardmembership1
  • Earn 1.25 points for virtually every $1 in purchases charged to the Card2
  • Up to 55 interest-free days3
  • $500,000 travel accident insurance4†
  • The American Express Global Lounge Collection™5 unlocks access to more than 1,200 airport lounges accross 130 countries and counting
  • Use points to book flights within Canada or anywhere in the world with a fixed number of points6

Terms & Conditions Apply, click here to know more

Enjoy premium travel experiences and want to elevate business rewards

American Express Business Edge Card

Type: Credit Card

  • 30,000 Welcome Bonus points when you charge $5,000 in purchases in the first 3 months of Cardmembership7
  • Earn 1,000 Membership Rewards points for each monthly billing period in which you spend $3,000 in purchases on your Card8
  • Earn 3X the points for Card purchases on eligible business essentials9
  • Earn 1X points on all other purchases9
  • Flexibility to pay off balances in full or over time
  • Business and expense management tools

Terms & Conditions Apply, click here to know more 

Want extra rewards for business expenditures and useful expense management tools

American Express® Business Gold Rewards Card

Type: Charge Card

  • 30,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in the first 3 months of Cardmembership10
  • Earn 1 Membership Rewards point for virtually every $1 in purchases11 
  • Earn extra points on business purchases with the Your 3 Suppliers Programs for Business11
  • Up to 55 interest-free days3
  • Extensive travel coverage
  • Use points to book flights within Canada or anywhere in the world with a fixed number of points6

Terms & Conditions Apply, click here to know more

Want to maximize cash flow with up to 55 interest-free daysand earn reward points on everyday spending

Marriott Bonvoy Business American Express Card

Type: Credit Card

  • 50,000 Marriott Bonvoy points when you charge $1,500 in purchases to your Card in the first 3 months of Cardmembership12
  • Earn 5 points for every $1 in Card purchases at Marriott Bonvoy properties, 3 points for every $1 spent on gas, dining, and travel, and 2 points for every $1 spent on all other purchases13
  • Automatic upgrade to Marriott Bonvoy Gold Elite status when you spend $30,000 on your Card each year14
  • Annual free night on your account anniversary15 
  • Flexibility to pay off balances in full or over time

Terms & Conditions Apply, click here to know more

Want to turn everyday business purchases into amazing travel possibilities

American Express® AIR MILES®* Gold Business Card

Type: Credit Card

  • 150 AIR MILES®* Reward Miles when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership16 
  • Earn 1 AIR MILES®* Reward Miles for every $15 in Card purchases at AIR MILES®* Partners and 1 AIR MILES®* Reward Miles for every $20 spent elsewhere17
  • Flexibility to pay off balances in full or over time       
  • Redeem Miles for more than 1,200 Rewards18       
  • $100,000 travel accident insurance4†
 

Terms & Conditions Apply, click here to know more

Want to earn twice at participating AIR MILES®* Partners when using a no fee Business Gold AIR MILES®* Card

American Express® AIR MILES®* for Business Card

Type: Charge Card

  • 2,000 AIR MILES®* Reward Miles when you charge $5,000 in purchases to your Card in the first 3 months of Cardmembership19
  • Earn 1 AIR MILES®* Reward Mile for every $10 in Card purchases at AIR MILES®* Partners and 1 AIR MILES®* Reward Mile for every $15 spent everywhere else20
  • up to 55 interest-free days3
  • Extensive travel coverage

Terms & Conditions Apply, click here to know 

Want to get Reward Miles on all office supply needs, and every tank of gas and birthday cake they treat their office to

Apply for a Small Business Card Today

 

Contact a specialist to find the right small business card for your business and start managing your cash flow today.

 

Call Us at 1-877-891-0821 Monday to Friday 9AM - 5PM EST

Frequently Asked Questions

Why do I need a small business card?

A small business card can optimize cash flow management, control employee and company spending, and easily keep track of your expenses in one place. You can also earn rewards from your spending such as cash back and travel rewards. A business card can also help your company build up a healthy credit history to improve your financing options in the future.

What spending limits do business cards have?

The spending limit on a business card depends on your business and personal financial information that you will submit during the application process. Higher credit scores and higher expected monthly spending can push your spending limits higher.

Do I need to own a business to get a business credit card?

You do not need to have a business with a formal structure to qualify for a business credit card. Entrepreneurs, freelancers, and sole proprietors can also apply for and earn approval for small business cards.

Can I apply for a small business credit card online?

Yes, you can easily apply online for many small business credit cards. Compare card features and benefits online and fill out an application for the card that is best suited to your business needs.

Don't do business without it